Farmers National Banc Corp. is a financial holding company that operates as a full-service bank and trust services provider principally in northeastern Ohio and western Pennsylvania. The company generates revenue through traditional banking operations—net interest income from loans and deposits, trust administration fees, insurance commissions, and investment services—delivered through its main subsidiaries: The Farmers National Bank of Canfield, which offers commercial and retail banking along with digital banking and brokerage services; Farmers Trust Company, which provides personal and corporate trust, estate settlement, and employee benefit plan administration; and Farmers Insurance and Farmers of Canfield Investment Co., which offer insurance products and municipal securities investments respectively. The company operates in a competitive regional market populated by banks, credit unions, and non-depository financial firms, and is subject to extensive regulation by the Federal Reserve Board, OCC, FDIC, and state regulators.